 then it's not giving up on growth. It's just getting rid of unnecessary taxes because those can be predictable, is they're now able to retire sooner, but this is her last highest wage earning year. In fact, it's a big income year. And by being able to use very limited amount of capital to create a 10 times tax deduction, Debra is actually able to zero out her and Bill's taxable income for 2024, which is exciting. And we've seen this happen year in and year out.